BayFirst FinancialBAFN +3.65%55 PS Ratio is 0.59 as of Jun. 26, 2026, which is 18% below its 10-year median of 0.72. GuruFocus rates BAFN with a GF Score™ of 55/100 and a GF Value™ of $5.85 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,515 Banks companies, BayFirst Financial ranks better than 97.03% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, BayFirst Financial's share price is $4.83.
BayFirst Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $8.15. Hence, BayFirst Financial's PS Ratio for today is 0.59.
The historical rank and industry rank for BayFirst Financial's PS Ratio or its related term are showing as below:
BAFN'
s PS Ratio Range Over the Past 10 Years
Min: 0.3 Med: 0.72 Max: 2.03
Current: 0.6
During the past 13 years, BayFirst Financial's highest PS Ratio was 2.03. The lowest was 0.30. And the median was 0.72.
BAFN's PS Ratio is ranked better than 97.03% of 1515
companies
in the Banks industry
Industry Median: 2.98
vs BAFN: 0.60
BayFirst Financial Corp revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of BayFirst Financial was -38.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -0.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -8.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 11.80% per year.
During the past 13 years, BayFirst Financial's highest 3-Year average Revenue per Share Growth Rate was 228.70% per year. The lowest was -17.80% per year. And the median was 27.30% per year.
Back to Basics: PS Ratio
BayFirst Financial (NAS:BAFN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
BayFirst Financial PS Ratio Related Terms
BayFirst Financial PS Ratio Historical Data
* Premium members only.
The historical data trend for BayFirst Financial's PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, BayFirst Financial's PS Ratio, along with its competitors' market caps and PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BayFirst Financial PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BayFirst Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where BayFirst Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
BayFirst Financial's Share Price of today is $4.83. BayFirst Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.15.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
BayFirst Financial (BAFN) has a PS Ratio of 0.59 as of Jun. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on BayFirst Financial and its competitors. This is 18% below median its historical median of 0.72. Over the past decade, BayFirst Financial's PS Ratio has ranged from 0.30 to 2.03. According to the industry distribution chart, BayFirst Financial ranks #45 out of 1515 companies in the Banks industry, placing it in the top 3%.
Is BayFirst Financial's PS Ratio too high?
BayFirst Financial's current PS Ratio of 0.59 is 18% below median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 2.03. The Banks industry median PS Ratio is 2.98. BayFirst Financial's value of 0.59 is 80.2% below this industry median. Based on the distribution chart, BayFirst Financial ranks #45 out of 1515 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BayFirst Financial has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BayFirst Financial's PS Ratio compare to PWBK and FBPA?
According to the Banks industry distribution chart, BayFirst Financial ranks #45 out of 1515 companies for PS Ratio. This places BayFirst Financial in the top 3% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.98. BayFirst Financial's value of 0.59 is 80.2% below this benchmark. Historically, BayFirst Financial's own PS Ratio has ranged from 0.30 to 2.03 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 2.98, BayFirst Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayFirst Financial's current PS Ratio of 0.59 is 80.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on BayFirst Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayFirst Financial's current PS Ratio is 0.59, which is 18% below median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BayFirst Financial stock overvalued right now?
Based on GuruFocus' analysis, BayFirst Financial (BAFN) is currently considered Modestly Undervalued. The stock's GF Value™ is $5.85, compared to a current price of $4.83 — trading 17.4% below its estimated fair value. The current PS Ratio is 0.59, which is 18% below median its 10-year median of 0.72 and 80.2% below the Banks industry median of 2.98. BayFirst Financial's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For BayFirst Financial (BAFN), the current PS Ratio is 0.59 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BayFirst Financial (BAFN) Overvalued in 2026?
Based on GuruFocus' analysis, BayFirst Financial stock appears to be undervalued.
The current stock price of $4.83 is trading 17.4% below its estimated GF Value™ of $5.85.
GuruFocus considers BayFirst Financial to be Modestly Undervalued.
Key valuation signals for BAFN:
PS Ratio: 0.59 (18% below median its 10-year median of 0.72)
GF Value™: $5.85 vs. price of $4.83 (17.4% below fair value)
Industry Position: 80.2% below the Banks median (#45 of 1515)
No single metric tells the full story. See the BAFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BayFirst Financial Corp is a bank holding company that operates through its wholly owned subsidiary. The Company generates the majority of its revenue from interest on loans and noninterest income. The primary sources of funding for its loans are loan payments, deposits, and borrowings. It is dependent on noninterest income, which is derived from net gain on the sales of the guaranteed portion of government-guaranteed loans and service fee income. The company provides personal banking and business banking services.
55GF Score
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